Independent Insurance Broker, Talent Acquisition Advisor, Field Underwriter

Hi, I’m Sammy Miranda. After 14 years in the financial and banking industry, I transitioned into the insurance field to help families and business owners protect what matters most. My mission goes beyond simply providing insurance — I help you create a financial foundation that gives you confidence today and security for tomorrow.

Client Testimonials

“When Sammy reached out, I didn’t know anything about living benefits. Honestly, I didn’t know much about life insurance. I’m 30 and had never really thought about what would happen to my kids if something happened to me. I’m really happy that we’re now protected!”

“Outstanding service! I didn’t know there was a life insurance policy that could protect me for my entire life. I’m really glad I listened to you!”

“When I switched jobs, my employer terminated my life insurance coverage. I’m so grateful Sammy helped me secure whole life protection I can keep no matter where I go.”

"As always you are so good at what you do. I'm really happy I switched over to National Life and now have living benefits. If any of you need life insurance go call Sammy!"

Protect your loved ones and your future with coverage that includes Living Benefits — providing access to funds when life takes an unexpected turn.

Life Protection

Build lasting security and freedom through tax-advantaged strategies and guaranteed income designed for every stage of life.

Retirement Planning

Safeguard your business and legacy with life insurance strategies designed to help protect, reward, and retain the people who drive your business forward.

Business Solutions

Ease the burden on loved ones with coverage that helps pay for funeral and end-of-life costs, bringing peace of mind when it matters most.

Final Expense

Life Insurance FAQ

What is Life Insurance and Why Do I Need It?

Life insurance is a contract between you and an insurance company that provides your loved ones with a lump-sum payment (death benefit) if you pass away. It’s designed to protect your family’s financial future by helping cover expenses like mortgage payments, debts, education, or everyday living costs. Without it, your loved ones may face financial hardship during an already difficult time.

What is Indexed Universal Life (IUL) Insurance?

An IUL is a type of permanent life insurance that not only offers a death benefit but also builds cash value. The cash value growth is tied to the performance of a stock market index (like the S&P 500), but your money is not directly invested in the market. This means you can benefit from market gains while having protection from losses with a guaranteed minimum interest rate. IULs are often used for long-term savings, retirement planning, and tax-advantaged wealth growth.

What are Living Benefits?

Living benefits let you access part of your life insurance death benefit while you’re still alive if you’re diagnosed with a qualifying illness, injury, or condition. These benefits can help cover:

  • Critical illness (ex. heart attack, cancer, stroke, etc.)
  • Critical injury (ex. major accident or severe physical trauma, etc.)
  • Chronic illness (long-term care needs)
  • Terminal illness (end-of-life expenses)

Living benefits can give you peace of mind knowing you have financial support during life’s unexpected challenges.

Living benefits are not available on all life insurance policies and may vary by state, product, and carrier. Eligibility for accelerated benefits is subject to the specific terms and conditions of the policy. Receipt of living benefits will reduce the policy’s death benefit and may be taxable. Clients should consult with their tax advisor and review their policy for complete details.

What are Annuities and How Do They Work?

An annuity is a financial product designed to provide you with guaranteed income for a set period or for life, often used for retirement planning. You make a lump-sum payment or a series of payments to an insurance company, and in return, they pay you income starting immediately or in the future. Annuities can offer:

  • Guaranteed lifetime income
  • Tax-deferred growth
  • Protection against outliving your money
    They come in different types, including fixed, indexed, and variable annuities, depending on your needs and risk tolerance.

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